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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

I am rebuilding my credit score and Zopa are helping...

I am rebuilding my credit score and Zopa are helping me. It is easy to manage. The app is easy to use with regular updates on my balance. Reviewed on: 15th January 2025

Zopa do it right.

Quick, efficient , any issues dealt with immediately. Realistic borrowing and opportunities to use a range of services.No hard sell. Reviewed on: 15th January 2025

Fast setup and friendly interface, nice card designs...

Fast setup and friendly interface, nice card designs and good interest rates for a starter card to fix/build credit. Reviewed on: 15th January 2025

Zopa app it is very easy to use, good rates for cred...

Zopa app it is very easy to use, good rates for credits good rates for loans, for those who qualify. I discovered them by chance, when I was in need and they helped me, transparently and quickly and for that I thank them! Reviewed on: 15th January 2025

Fantastic service and fair rates!

Fantastic service and fair rates! Reviewed on: 15th January 2025

The service provided by these guys is exceptionally...

The service provided by these guys is exceptionally brilliant and the process from start to finish was simple and effortless . I would definitely recommend zopa to anyone looking a good value credit card . Thanks once again zopa. Reviewed on: 15th January 2025

Brilliant card to deal with

Always great company to deal with would definitely recommend them. Always treated well from customer service and would give them ten out of ten Reviewed on: 15th January 2025

Very easy to deal with, excellent online experience.

Very easy to deal with, excellent online experience. Monthly bills and payments easy to understand and online account simple to navigate. Reviewed on: 15th January 2025

Simple to understand

The app is easy to use and you know where you stand. The repayment process is simple and straightforward. Reviewed on: 15th January 2025

Good and easy to use and very helpful

Good and easy to use and very helpful Reviewed on: 15th January 2025

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